nprofile1qyt8wumn8ghj7un9d3shjtnyd968gmewwp6kytcqyzur0rvcrnr947uen4r9k5x8efn2duvhv6g34cagvtfxxskygjjyg3f35ec (nprofile…35ec) I'm not sure how "avoidance" can be realistically measured, because it's legal and within the rules.
For example, with the new changes to cash ISAs, will putting the other £8k in a stocks-and-shares ISA and then investing in gilts or money market funds count as "avoidance"?